From the mention of Lloyds I'll assume that Two9A is in the UK. The best instant access savings I know about is 2.9% from the post office [1] with better rates available for 1 year bonds or longer [2].

[1] http://www.postoffice.co.uk/portal/po/content1?catId=1930023... [2] http://www.lovemoney.com/savings/term-bond-accounts.aspx